I'm afraid I have no real expertise in user-experience so I cannot really say. I definitely think you want, as you suggest, a "How it works" at the very top, centre of the landing page. Preferably in graphic form.
I also still think you want example dreams to be viewable by anyone. I believe that few people sign-up without a good idea of the kind of thing they are signing-up for.
I also still think you want example dreams to be viewable by anyone. I believe that few people sign-up without a good idea of the kind of thing they are signing-up for.